Terms & Conditions

Welcome to Xecure™, a product of Spinacle Technologies Private Limited ("Company," "we," "our," or "us"). These Terms & Conditions outline the rules, requirements, and policies governing your use of our website, mobile application, and services.

By accessing or using Xecure™, you agree to comply with these terms. If you do not agree, please do not use our services.

1. Eligibility

To use Xecure™, you must:

• Be at least 18 years old or have parental/guardian consent.

• Provide accurate and truthful information when signing up.

• Not engage in any fraudulent or unlawful activities.

2. Account Registration & Responsibilities

• Users must create an account to access financial assistance, insurance services, and treatment insights.

• You are responsible for maintaining the confidentiality of your account credentials.

• We reserve the right to suspend or terminate accounts found violating our policies.

3. Service Use & Restrictions

By using Xecure™, you agree that you will not:

• Use the platform for any unauthorized or illegal activities.

• Attempt to disrupt, hack, or compromise our security systems.

• Submit false insurance claims, financial requests, or misleading health information.

• Use automated systems, bots, or scripts to interact with our platform.

4. Payments & Transactions

• Financial assistance services (loans, crowdfunding, discounts) are facilitated through third-party partners.

• Insurance services involve claim assistance and policy navigation, but Xecure™ does not directly provide insurance.

• Payments processed via our platform comply with RBI and IRDAI regulations.

• Any refund, cancellation, or dispute must be resolved through the respective partner institution.

5. Limitation of Liability

• Xecure™ does not guarantee financial assistance or insurance claim approval, as these depend on third-party institutions.

• We are not liable for medical, financial, or insurance decisions made by our users or partner organizations.

• We do not provide medical advice; all health-related information is for educational purposes only.

6. Privacy & Data Protection

• Your personal and medical information is securely stored and processed in compliance with India’s DPDP Act, IRDAI, RBI, and HIPAA regulations.

• We do not sell or misuse your data but may share it with third-party partners for service fulfilment.

• Read our Privacy Policy to understand how we collect, store, and use your information.

7. Third-Party Links & Services

• Xecure™ may provide access to third-party websites, insurers, NBFCs, and healthcare providers.

• We do not control or endorse third-party services, and users engage with them at their own risk.

8. Modifications to Services & Terms

• We reserve the right to update, modify, or discontinue any part of our services at any time.

• Updates to these terms will be posted on this page, and continued use of Xecure™ constitutes acceptance of revised terms.

9. Governing Law & Dispute Resolution

These Terms & Conditions are governed by the laws of India. Any disputes shall be resolved through arbitration in Chennai, India, by the Arbitration and Conciliation Act, 1996.

10. Contact Information

For any questions regarding these terms, please contact:

📧 Email: care@xecure.in
📍 Registered Office: Spinacle Technologies Private Limited, 1/578, Valaiyapathi Salai, Mogappair East, Chennai-600037
📞 Support: +91 8610244377